In my view there are two things that must be done to control costs
1) cut the tie between employment and med coverage
2) make policies that are not insurance but are actually prepaid medical care reflect that true cost.
I’ve had a few really crappy jobs I’ve stayed at longer than intended just because I was afraid of the coverage gap during the job hop (and much too cheap to pay the Cobra.)
More recently it occurred to me that I could have my own portable policy, so I’ve had my own catastrophic. (Freedom!)
I’m hoping to see people doing more price shopping now with the higher deductibles. And less waste overall. My whole life I’ve seen people getting 2 or 3 “placebo” type rxs in the middle of the night from the ER. Now if they have to pay up first, they’ll stay home and stop giving me their damn colds.